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Eviana J Martin

Eviana Martin’s Legal Guides

11 total


  • Preparing for Your Bankruptcy Consultation

    Prior to your first bankruptcy consultation, please take the time to gather together the following, which will be necessary for your first consultation: Proof of income for the last 6 months: Please bring pay stubs from work or proof other income, government benefits, unemployme...

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  • Your Legal Rights During and After Bankruptcy

    How Long Will Bankruptcy Stay on My Credit Report? The results of your bankruptcy case will be part of your credit record for ten (10) years. The ten years are counted from the date you filed your bankruptcy. This does not mean you cant get a house, a car, a loan, or a credit car...

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  • Bankruptcy FAQ

    What Is Bankruptcy? Bankruptcy is a legal proceeding in which a person who can not pay his or her bills can get a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediate...

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  • Chapter 7 Bankruptcy (Straight Bankruptcy)

    In a bankruptcy case under chapter 7, you file a petition asking the court to discharge your debts. The basic idea in a chapter 7 bankruptcy is to wipe out (discharge) your debts in exchange for your giving up property, except for exempt property which the law allows you to keep....

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  • Chapter 13 Bankruptcy (personal reorganization)

    In a chapter 13 case you file a plan showing how you will pay off some of your past-due and current debts over three to five years. The most important thing about a chapter 13 case is that it will allow you to keep valuable property especially your home and car which might othe...

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  • In Bankruptcy, What Property Can I Keep?

    What Property Can I Keep? In a chapter 7 case, you can keep all property which the law says is exempt from the claims of creditors. If you moved to Florida from a different state within two years before your bankruptcy filing, you may be required to use the exemptions from the st...

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  • What Debts Are Not Discharged in Bankruptcy?

    Will Bankruptcy Wipe Out All My Debts? Yes, with some exceptions. Bankruptcy will not normally wipe out: Money owed for child support or alimony; Most fines and penalties owed to government agencies; Most taxes and debts incurred to pay taxes which can not be discharged; Student...

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  • Will I Lose My Home or Car in Bankruptcy?

    In most cases you will not lose your home or car during your bankruptcy case as long as your equity in the property is fully exempt. Even if your property is not fully exempt, you will be able to keep it, if you pay its non-exempt value to creditors in chapter 13. However, some o...

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  • Will Bankruptcy Ruin My Credit?

    There is no clear answer to this question. Unfortunately, if you are behind on your bills, your credit may already be bad. Bankruptcy will probably not make things any worse. The fact that youve filed a bankruptcy can appear on your credit record for ten years from the date your ...

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  • Bankruptcy Discrimination - It Should NOT Happen

    Utility services Public utilities, such as the electric company, can not refuse or cut off service because you have filed for bankruptcy. However, the utility can require a deposit for future service and you do have to pay bills which arise after bankruptcy is filed. Discriminati...

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